삼성카드

029780KOSPI기타 금융업

47.7 / 100

Reference Date: 2026-04-13

Financial Score14.5 / 40

News Sentiment14.2 / 25

Momentum9.0 / 20

Disclosure10.0 / 15

AI Analysis: PER is significantly undervalued vs. peers but the high debt ratio poses financial risk. Declined 6.9% over the past month, and news sentiment is positive.

Company InformationBased on 2025 Annual Report

Business Overview

Samsung Card, established in 1983, operates credit card services, installment leasing, and lifestyle convenience services with approximately 13.52 million members and 3.06 million merchants. In 2025, its personal credit card transaction volume reached 141.8 trillion won, a 9.1% increase from the previous year, and it has maintained the top position in customer satisfaction for 12 consecutive years.

Number of Employees

2,033people

Average Salary

146.4M KRW

Score Calculation Basis

Detailed Financial Score

PER

9.09Industry Average 10.015.0Point

In line with industry avg

PBR

0.72Industry Average 0.482.5Point

Higher than industry avg (caution)

ROE

7.45Industry Average 5.514.0Point

In line with industry avg

Debt Ratio

263.01Industry Average 19.360.0Point

13.6x industry avg (risky)

Trend 2023~20253.0 / 10 points

Revenue Growth Rate

0.0 / 3

Avg ▼18.4% (2-year basis)

Operating Profit Growth Rate

1.0 / 3

Avg ▲2.9% (2-year basis)

ROE Trend

2.0 / 4

Avg ROE 7.7% (declining, 3yr)

Detailed News Sentiment

75 totalPositive 19Neutral 50Negative 1Average Sentiment Score 57.2

Detailed Momentum

52-week position5.0Point

52w mid range (55%)

Current 55,000Won52-week high 67,40052-week low 39,450

1-month return2.0Point

1m -6.94% (slight drop)

Volume trend2.0Point

Volume decreasing

Detailed Disclosure

11 totalPositive 0Neutral 11Negative 0

Neutral증권발행실적보고서2026-04-08
Neutral일괄신고추가서류2026-04-07
Neutral투자설명서(일괄신고)2026-04-07
Neutral특수관계인과의수익증권거래2026-03-27
Neutral정기주주총회결과2026-03-19